TRUST THE NEW HOLLAND FINANCE TEAM

To meet all your asset finance needs

 Our team of fully trained Finance Managers are dedicated to providing you with any assistance or advice you require, whether over the phone or face to face on your property.  Our Customer Assist team are trained to give you assistance by phone and email, such as providing you with finance quotes, updates on the status of your loan, information on new finance options, as well as many other services. Through the New Holland Finance team, we provide a full range of finance options for all your business assets such as Utes, Trucks, Silos, Sprayers, Fork Lifts, Farm Equipment and so on. For a finance quote or more information regarding Asset Finance, please contact New Holland Finance Customer Assist on 1800 807 934 or nhfinanceassist@cnh.com

TRUST YOUR LOCAL NEW HOLLAND DEALERSHIP

To meet all your equipment and finance needs
Your local New Holland dealership provides easy access to owning or leasing agricultural equipment. Your dealer is not only an expert in New Holland equipment, trained to advise you on the most appropriate equipment for your farming needs, but they can also provide access to the most appropriate type of finance that will suit your business needs. Through your local dealership, New Holland Finance provides a full range of finance options for all your equipment purchases. Finance available for: New and used New Holland equipment New and used other branded equipment For a finance quote or more information, please contact your local New Holland dealership or New Holland Finance Customer Assist on 1800 807 934 or nhfinanceassist@cnh.com

QUICK GUIDE TO NEW HOLLAND FINANCE

Loan and Goods Mortgage
Borrowers wanting immediate ownership and the ability to build asset equity Passes to you immediately with a mortgage held over the goods by New Holland Finance. Any amount up to 100% Fixed for the term of the loan Flexible Tailored to your needs 12 60 months

Finance Lease
Borrowers wanting to preserve working capital without the need for ownership title Remains with New Holland Finance. You can apply to purchase and own at the end of the contract period. 100% finance is mandatory^ Fixed for the term of the loan None* Tailored to your needs 12 60 months Mandatory and is an estimate of the value at the end of the term None No

Commercial Hire Purchase

Borrowers looking to preserve working capital and attain ownership when all payments are made Passes to you upon final payment Any amount up to 100% Fixed for the term of the loan Flexible Tailored to your needs 12 60 months

This option is best for

Ownership Title

Finance Amount Interest Rate Deposit Payment Schedules Terms Balloon Payment/ Residual Value Early Payout Penalties Creates equity in the equipment Possible to claim payments as tax deductions Possible to claim depreciation and interest as tax deductions

Optional

Optional

None Yes

None Yes

No

Yes

No

Yes

No

Yes

^Upfront payments are permitted under certain conditions. *No deposit is required, however, an initial payment must be made at the start of the contract.
New Holland Finance is a division of CNH Capital Australia Pty Ltd. ABN 71 069 132 396. Full details of the terms and conditions of the finance will be made available on application. The details in this brochure may be subject to change without notice. Any advice given in this brochure is of a general nature only, does not constitute financial or tax advice, and is not based on any consideration of your objectives, financial situation or needs. To decide if a finance product is right for you, it is recommended that you seek the advice of a qualified advisor.

For more information contact New Holland Finance Customer Assist on 1800 807 934 or nhfinanceassist@cnh.com

WILSON MKTG NHF009

Financial Solutions Tailored For You

NEW HOLLAND FINANCE : WELL HELP YOUR BUSINESS GROW.

OUR EXPERTISE IS YOUR PEACE OF MIND

Experience is our edge
With nearly 50 years in the global equipment finance business, our team of professionals have the industry knowledge and expertise to help you succeed. As the sole financial services provider for New Holland global, we serve some half-million customers in 160 countries worldwide.

Equipment and finance teams serving your needs

You can always count on both the New Holland dealership team and the New Holland Finance team who work together to provide you with the ideal equipment and most effective finance plan to suit your business needs.

Strong relationships are the key to our success

Relationships that remain solid throughout the inevitable ups and downs of life on the land. Our teams work hard to make it easy for you to buy or lease the worlds best equipment and continually look for new and better ways to meet your changing finance needs.

We take a flexible approach

You can select flexible payment schedules timed to your cashflow. And you can choose from a wide range of loan options with competitive interest rates, no early payout penalties and flexible deposits.

Conserve your capital

With up to 100% finance available to approved applicants, your capital can be conserved and retained for investments such as farm improvements to increase productivity or the day to day expenses of running your business.

Protect yourself against rate rises

New Holland Finance provides competitive interest rates, fixed for the duration of the contract. Feel certainty when budgeting by being immune to any subsequent rate rises.

No early payout penalties

New Holland Finance rewards you when you experience a better than anticipated season or a change in your circumstances. New Holland Finance does not charge any early payout penalties.

We can come to you our on-farm service

Your New Holland dealer can discuss your finance options* with you or arrange for a New Holland Finance representative to contact or visit you on your property.
* New Holland Finance recommends that advice should be sought from your accountant or financial advisor on which form of finance best suits your current
requirements and on any tax implications.

FINANCIAL PACKAGE
LOAN AND GOODS MORTGAGE
The Loan and Goods Mortgage enables you to receive the full benefits of ownership immediately as title passes to you upon purchase. New Holland Finance takes a mortgage over the equipment for the duration of the loan.

MASTER GOODS MORTGAGE

This is essentially the same as a Loan and Goods Mortgage with one key difference. The Master Goods Mortgage, which links to the New Holland Finance Credit Line, allows you to purchase equipment at several times during the year on one original master document.

Advantages
 A fixed low interest rate for the term of the loan that protects you against rising interest rates Flexible deposit (subject to credit approval)  Payment schedules can be tailored to suit your individual business requirements  Being the owner of the equipment, you may be able to claim depreciation and interest costs as tax deductible expenses for your business  You may also be able to claim your GST as an input tax credit in your Business Activity Statement  Fixed repayments for the term of the loan provides certainty to the budgeting process  Creates equity which you can roll over into your next equipment purchase  Allows the cost of the purchase to be spread over a manageable time frame

Advantages
In addition to the same advantages as a Loan and Goods Mortgage, the Master Goods Mortgage also has the following advantages: Simplified documentation process and reduced paperwork A  fter the initial contract is signed, only 1 or 2 signatories per equipment purchase are required, if so nominated, rather than every business partner Speedy draw down process Y  ou can make urgent purchases or take advantage of timely opportunities A  dedicated New Holland Finance Manager is always available to advise on your finance requirements

Structures
 Payments can be tailored to match your income cycles or any other seasonal requirements you may have Terms from 12 60 months

Structures
P  ayments can be tailored to match your income cycles or any other seasonal requirements you may have Terms from 12 60 months

FINANCE LEASE

With a Finance Lease, New Holland Finance is the owner of the equipment and it is rented to you (subject to credit approval) for an agreed period, at fixed repayments. At the end of the term you may be able to purchase the equipment by re-financing with New Holland Finance or by purchasing it outright at the agreed residual value.

COMMERCIAL HIRE PURCHASE

Commercial Hire Purchase is designed for those people looking to preserve working capital and attain ownership over a period of time. Much like a Loan and Goods Mortgage, but ownership does not pass until final payment is made.

Advantages
 Allows you to expand or update your equipment needs without tying up working capital  Gives you the opportunity of ownership as well as the cashflow benefits of lower payments  No deposit requirement, although rental payments are required to be made in advance  Fixed rental payments for the life of the contract provides certainty to the budgeting process  You may be eligible to claim your regular payments as a tax deductible expense for your business  Fixed underlying interest rate for the term of the loan giving you protection over rate rises

Advantages
A  s small or as large a deposit as you like (subject to credit approval)  For both tax and accounting purposes, you are considered the owner of the equipment and you may be able to claim both depreciation and interest as expenses for your business C  reates equity which you can roll over into your next equipment purchase A  llows the cost of the purchase to be spread over a manageable time frame F  ixed interest rate for the term of the loan gives you protection over rate rises

Structures
 Payments can be tailored to match your income cycles or any other seasonal requirements you may have Payment structure includes a final residual value Terms from 12 60 months

Structures
P  ayments can be tailored to match your income cycles or any other seasonal requirements you may have Commercial Hire Purchase is a fixed term contract The equipment financed serves as the primary form of security Terms from 12 60 months

S TAILORED FOR YOU

CREDIT LINE
The New Holland Finance Credit Line is specifically designed to assist you with business expansion and to take advantage of opportunities as they arise. This revolving facility gives you a pre-approved limit that you can draw down on when making your equipment and business asset purchases (up to your approved limit).

Advantages
 Offers you access to funds for equipment purchases up to your approved limit  You can determine how much of your limit you want to use, and when you want to use it Gives you the security of long-term finance Speedy draw down process  The facility is revolving, so once it is established, you wont need to re-approach your New Holland Finance Manager again for additional funding if you have capacity available under your limit

Structures
 Can be used in conjunction with a Master Goods Mortgage, a Loan and Goods Mortgage, a Finance Lease or Commercial Hire Purchase  Payment schedules are determined at the time of equipment purchase Approved credit limit is reviewed once a year

PAYMENT OPTIONS
REDUCED PAYMENT OPTIONS
The more equity down (deposit paid), the lower the scheduled payments. Equity can be in the form of a cash payment or a trade-in. Advantage: Provides a tool to help reduce the scheduled payments

FLEXIBLE PAYMENT OPTIONS

A schedule where repayments are structured in line with your income patterns. Advantages: Matches payments with income patterns Aligns payment timing to your seasonal income flow

Equity Down

Structured Payment Plan

Balloon Payment

A method by which you can have lower payments during the contract period with a larger final (balloon) payment at the end of the contract. Advantage: Lower scheduled payments to match cashflow

Allows you to provide little or no deposit towards the purchase of your equipment Advantages: Little or no deposit required (subject to approval) Matches the size of your deposit with your cashflow requirements

Flexible Deposit

Payments can be automatically withdrawn from your nominated bank account. Advantages: Service is free  Ensures payment is made on time Saves time and eliminates No concerns over lost mail cheque writing

Automatic Payment Plan